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MORTGAGE PRODUCTS
 

Our Mortgage products include 10, 15, 20 & 30 year fixed rates as well as 1, 3, 5, 7 & 10 year adjustable rates, all of which can be presented ranging from conforming to jumbo values. We also provide to our customers a full listing of index values from the H15 federal report, the corresponding yield curve of these values as well as a product yield curve of average rates for all Mortgage products. Included in our Mortgage surveys are rates, discount points, origination points, and APR (either calculated or reported). The frequency of reports received by our executive clientele is determined solely by the customer and thus can range from daily, weekly or monthly at the customer’s discretion.

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DEPOSITS
 

Deposit products include all consumer or business accounts, all tiers including dollar amounts and/or terms as determined by the surveyed institution. Included in the data set for each institution are features that may not be included in a typical rate sheet or online. Thus our clients determine which fields they would like to appear in the summary or detail report and our research reflects their needs accordingly. We separate specials and promotional offers in order to include and display all promoted products tagged in our data base. This feature allows you to separate and receive a screen search or report for review of the market trends. A summary of your competitor’s promotions can be viewed either with your report set or online using our web-based features.

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LOANS
 

We offer a wide array of Loan Rate Surveys encompassing all products available in the current financial market. Our clientele can choose with precision which products they’d prefer to include with their loan survey. Any term, dollar amount, or financial scenario can be provided for such that our research is trustworthy and accurate to the exact date and specifications requested by our clients. Ranging from Home Equity Loans and Lines of Credit to Personal loans as well as vehicle, equipment, business, or commercial loan surveys, our customers can rest assured that they will receive their reports on time and to their exact specifications.

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FEES
 

Prorates now offers reports to our executive clientele detailing the various fees which apply to specific financial institutions. Not every bank is the same in their protocol regarding everything from processing fees to hidden checking, savings or credit payments. Therefore our Fee Surveys can be used by our clients to better inform their own customers as well as stay informed in order to remain competitive in today’s market.

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PROMOTIONS
 

We also offer research reports which detail the Promotional offers that come and go throughout the calendar year. Financial institutions will frequently offer short term promotional rates on the various products they offer. Keeping updated on these promotions and their frequency would be a full time job for one person preparing a report, but here at Prorates we have an experienced staff whom pride themselves on staying updated with financial market trends and making sure our clients don’t miss out on what could potentially be highly valuable information.

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Free PRORATES samples and survey

A free set of reports is yours for review if you contact us via phone or email. Reports will include the Federal H15 report including yield curve and additional dollar numbers (50 data points in all). USA rate averages by product category, your state’s averages by product category, and a survey of CD’s and Money Market products for any 5 institutions in your region.

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